SmartFinancial Inc (SMBK)

Currency in USD
42.61
+0.22(+0.52%)
Closed·
42.61-0.05(-0.11%)
·
Trading near 52-week High
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Fair Value
Day's Range
42.0043.91
52 wk Range
26.3143.91
Key Statistics
Prev. Close
42.39
Open
42.74
Day's Range
42-43.91
52 wk Range
26.31-43.91
Volume
103.4K
Average Volume (3m)
82.78K
1-Year Change
20.4353%
Book Value / Share
32.44
Fair Value
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Fair Value Upside
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SMBK Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
44.10
Upside
+3.50%
Members' Sentiments
Bearish
Bullish
ProTips
Trading at a low P/E ratio relative to near-term earnings growth

SmartFinancial Inc News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Buy
Technical Indicators
Buy
Moving Averages
Buy

SmartFinancial Inc Company Profile

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, and Florida. The company accepts various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans and leases; commercial business and mortgage loans; direct consumer installment, educational, agriculture, and other revolving credit loans; equipment financing, heavy equipment, semis, and trailers loans and leases to small and medium sized businesses; letters of credit; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. SmartFinancial, Inc. is headquartered in Knoxville, Tennessee.

Sector
Financial
Employees
605

SmartFinancial Inc Earnings Call Summary for Q4/2025

  • SmartFinancial reported Q4 2025 EPS of $0.81 (3.85% above forecast) and revenue of $53.3M (3.74% above expectations), with record annual earnings exceeding $51M and stock rising 1.54% after hours.
  • Net loan balances grew by $457M and core deposits increased by $626M for the year, with pre-provision net revenue reaching $20.9M (up 44% YoY) and tangible book value at $26.85 per share.
  • The company projects a net interest margin of 3.4-3.45% for Q1 2026, targeting high single-digit loan growth and a $4 EPS run rate by the end of 2026.
  • CEO Billy Carroll highlighted the company's 'disciplined approach to growth' while maintaining prudent expense management as SmartFinancial continues its strategic expansion into new Southeast markets.
Last Updated: 01/22/2026, 12:02 AM
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Compare SMBK to Peers and Sector

Metrics to compare
SMBK
Peers
Sector
Relationship
P/E Ratio
14.5x11.2x10.0x
PEG Ratio
0.370.380.03
Price/Book
1.3x1.3x1.0x
Price / LTM Sales
3.8x3.8x2.9x
Upside (Analyst Target)
0.3%1.1%11.7%
Fair Value Upside
Unlock11.1%1.3%Unlock

Analyst Ratings

2 Buy
3 Hold
0 Sell
Ratings:
5 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 44.10
(+3.50% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Keefe, Bruyette & Woods
Hold42.00-1.43%40.00MaintainJan 22, 2026
Hovde Group
Buy48.00+12.65%-UpgradeJan 22, 2026
Keefe, Bruyette & Woods
Hold40.00-6.13%38.00MaintainNov 04, 2025
Keefe, Bruyette & Woods
Hold38.00-10.82%35.00MaintainJul 24, 2025
Keefe, Bruyette & Woods
Hold35.00-17.86%37.00MaintainApr 24, 2025

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 2.98%
Dividend Yield
0.75%
Industry Median 3.20%
Annualized payout
0.32
Paid quarterly
5-Years Growth
+9.86%
Growth Streak

Earnings

Latest Release
Jan 20, 2026
EPS / Forecast
0.81 / 0.78
Revenue / Forecast
53.31M / 51.39M
EPS Revisions
Last 90 days

SMBK Income Statement

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FAQ

What Is the SmartFinancial Inc (SMBK) Stock Price Today?

The SmartFinancial Inc stock price today is 42.61

What Stock Exchange Does SmartFinancial Inc Trade On?

SmartFinancial Inc is listed and trades on the New York Stock Exchange.

What Is the Stock Symbol for SmartFinancial Inc?

The stock symbol for SmartFinancial Inc is "SMBK."

Does SmartFinancial Inc Pay Dividends? What’s The Current Dividend Yield?

The SmartFinancial Inc dividend yield is 0.75%.

What Is the SmartFinancial Inc Market Cap?

As of today, SmartFinancial Inc market cap is 726.47M.

What Is SmartFinancial Inc's Earnings Per Share (TTM)?

The SmartFinancial Inc EPS (TTM) is 2.98.

When Is the Next SmartFinancial Inc Earnings Date?

SmartFinancial Inc will release its next earnings report on Apr 26, 2026.

From a Technical Analysis Perspective, Is SMBK a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has SmartFinancial Inc Stock Split?

SmartFinancial Inc has split 3 times.

How Many Employees Does SmartFinancial Inc Have?

SmartFinancial Inc has 605 employees.

What is the current trading status of SmartFinancial Inc (SMBK)?

As of Feb 04, 2026, SmartFinancial Inc (SMBK) is trading at a price of 42.61, with a previous close of 42.39. The stock has fluctuated within a day range of 42.00 to 43.91, while its 52-week range spans from 26.31 to 43.91.

What Is SmartFinancial Inc (SMBK) Price Target According to Analysts?

The average 12-month price target for SmartFinancial Inc is USD44.10, with a high estimate of USD48 and a low estimate of USD41. 2 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +3.50% Upside potential.

What Is the SMBK After Hours Price?

SMBK's last after hours stock price is 42.61, the stock has decreased by -0.05, or -0.11%.
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